By Ronnie Elliott, Owner & Licensed Roofing Contractor, Alron Construction — Published 2026-07-16 · Insurance · 7 min read
The Florida roof insurance claim process starts when the homeowner reports the loss to their insurance carrier, continues with the carrier's adjuster inspection and settlement decision, and ends when a licensed contractor performs the approved work.
The claim process begins with a notice of loss. As the policyholder, you contact your insurance carrier, report the date of the storm or event, and describe the damage you have observed. The carrier opens a claim, assigns a claim number, and tells you what happens next. Only you can take this step. A roofing contractor cannot file the claim for you; under Florida Statute 626.854, only the policyholder, a licensed public adjuster, or an attorney can represent you in the claim itself.
Before you call, it helps to have basic documentation ready: the date of the event, photos of anything visible from the ground, and any written inspection report you already have. Whether to file at all is a decision only you can make, and it is easier to make any decision when you know what is actually on your roof. That is what an independent inspection is for.
After the claim is opened, the carrier assigns an adjuster. The adjuster inspects the roof, photographs the damage, takes measurements, and writes up findings for the carrier. The adjuster works for the insurance company, and their job is to document the damage and apply your policy's terms to it.
Many homeowners ask their roofing contractor to be present during the adjuster's visit. That is a legitimate and common role for the contractor: walking the roof with the adjuster, pointing out documented findings, and answering technical questions about the roof system so nothing identified in the earlier inspection gets overlooked. The contractor does not negotiate with the adjuster and does not argue coverage. Coverage is between you and your carrier.
The carrier reviews the adjuster's findings against your policy and decides what is covered. If the claim is approved, the carrier prepares an estimate of the covered work and issues a settlement under your policy terms, which may pay actual cash value or replacement cost value depending on the policy. Your policy's deductible applies and is your responsibility as the policyholder.
No contractor can tell you in advance what your carrier will cover or what the settlement will be. Those decisions belong to the carrier and are governed by your policy. If you have questions about coverage, ask your carrier or a licensed Florida public adjuster. If you disagree with a decision, your policy describes the options available to you.
A licensed roofing contractor has four legitimate roles in a Florida roof claim. First, inspecting the roof and giving you an honest written assessment of its condition. Second, documenting findings with photos so you have a factual record of what is on the roof. Third, being present at the adjuster's inspection to answer technical questions about the findings and the roof system. Fourth, performing the approved work under permit once you and your carrier have settled the claim.
What a contractor cannot legitimately do is just as important. Under Florida Statute 489.147, a contractor cannot offer to waive, discount, or absorb your deductible, and a contractor is not your representative in the claim. A contractor who promises a specific insurance outcome, pressures you to file, or asks you to sign paperwork before inspecting the roof is showing you exactly who they are.
Reporting deadlines exist and they are real. They are set by Florida law and by your policy, and the statutory timelines have changed more than once in recent years. We deliberately do not quote a specific number of months here, because a stale number is worse than no number. Your insurance carrier can confirm the current reporting deadline that applies to your policy, and your policy documents state it.
The practical takeaway is simple: if you believe a storm damaged your roof, get it inspected and documented promptly. Whatever you decide to do afterward, you will be deciding with current facts and inside whatever reporting window applies to you.
Alron Construction is a licensed Florida roofing and general contractor (CCC1328819 and CGC1515789), not a public adjuster, insurance agent, or attorney. We do not file insurance claims, we do not interpret policy coverage, we do not negotiate settlements, and we do not advise on whether to file. Coverage decisions are between you and your insurance carrier.
What we do provide: free roof inspections with written reports and photos, technical answers during the adjuster's visit if you ask us to attend, and licensed, permitted roofing work once the scope is approved. If your roof is fine, we tell you that too. If you want representation in the claim itself, Florida Statute 626.854 defines who can legally provide it: a licensed public adjuster or an attorney.
No. Alron Construction is a licensed roofing contractor, not a public adjuster, and we do not file claims, interpret coverage, or negotiate settlements. You file the claim with your carrier; we provide the inspection, the photo documentation, and the approved roofing work.
Your insurance carrier decides coverage based on the adjuster's findings and the terms of your policy. No roofing contractor can promise or predict a coverage outcome. For questions about your policy, contact your carrier or a licensed Florida public adjuster.
It is your choice, and many Florida homeowners ask their contractor to attend. The contractor can answer technical questions about the documented findings and the roof system while the adjuster is on the roof. The contractor does not negotiate the claim; that stays between you and your carrier.
Yes. Your policy's deductible applies and is your responsibility as the policyholder. Florida Statute 489.147 prohibits contractors from offering to waive, discount, or absorb it, so treat any such offer as a warning sign.
Deadlines exist and are set by Florida law and your policy, and they have changed in recent years. Your insurance carrier can confirm the current reporting deadline that applies to your policy. We do not advise on filing decisions or interpret deadlines.
Alron Construction, LLC — Licensed Florida Roofing Contractor (CCC1328819) and Certified General Contractor (CGC1515789). Office: 300 N Cocoa Blvd, Cocoa, FL 32922. Call (321) 639-0911 for a free, photo-documented roof inspection. Serving Brevard, Volusia, Seminole, Orange, and Osceola counties since 2008. A+ BBB rated, 244+ verified Google reviews, veteran-owned (SDVOSB).
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